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What Is Non-Marketplace Health Insurance?

The Health Insurance Marketplace is a platform that provides insurance plans to small businesses, individuals, and families.

If You Had Other Health Insurance Coverage

In case you had coverage through affordable health insurance plans like Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source, depending on the coverage you had, you can get Form 1095-B, Health Coverage, to assist you in completing your taxes.

• If you receive Form 1095-BYou ought to have it by mid-March.
• Read Parts III and IV to find information regarding:
  • Your 2019 health insurance coverage
  • Covered persons and the months they had coverage

1. Complete your tax return

In the event you and your dependents had qualifying health coverage for all of 2019:

• Check the “Full-year coverage” box on your federal income tax form. You can discover it on Form 1040 (PDF).
• If you got Form 1095-B or 1095-C, do not include it with your tax return. Save it with your other tax documents.

More than One Coverage Status

If You Had a Marketplace Plan with Premium Tax Credits

FYI: Form 1095-A & your federal taxes

• You ought to get your 1095-A form by mail no later than mid-February. It may be available in your HealthCare.gov account as soon as mid-January. Once you have it, follow the steps below.
• You must file a federal tax return for 2019 — even if you typically do not file or your income is below the level requiring you to.

Find your Form 1095-A, Health Insurance Marketplace Statement

• Find it in your HealthCare.gov account (choose your 2019application, not your 2020 application, and select “Tax Forms” from the menu on the left). You will also get a copy by United States Mail.
• Cannot find it? Get help finding your 1095-A.
• IMPORTANT: Do not file your 2019 taxesuntil you have an accurate 1095-A.

Ensure your 1095-A is correct — and if not, contact us.

• Verify necessary information concerning your health plan and household members on Parts I and II of the form.
• Ensure the premium for your second lowest cost Silver plan (SLCSP) is correct.
• If it’s not, utilize our tax tool when available later in January to get your SLCSP.

Fill out Form 8962 to “reconcile.”

• Utilize the information from your 1095-A to fill out Form 8962, Premium Tax Credit.
• Use Form 8962 to “reconcile” your premium tax credit — compare the amount you used in 2020 to lower your monthly insurance payment with the actual premium tax credit you qualify for depending on your final 2019 income. Any difference will impact your refund or tax owed.

Attach Form 8962 while you file your federal income tax return

• But do not attach your 1095-Ato your return. Save it with your other tax documents.

If You Had a Marketplace Plan without Premium Tax Credits

Get your Form 1095-A, Health Insurance Marketplace Statement

• Find it in your HealthCare.gov account ( choose your 2019application, not your 2020 application, and select “Tax Forms” from the menu on the left). You’ll also obtain a copy by the United States Mail.
• Cannot find it? Get help finding your 1095-A.
• IMPORTANT: Do not file your 2019 taxesuntil you have an accurate 1095-A.

Ensure information on your 1095-A is right — and if not, contact us.

• Authenticate necessary information about your health plan and family members on Parts I and II of the form. See errors? Contact the Marketplace Call Center.
• If you paid the entire price for your health plan, Part III, Column C should be blank or have the number “0.”

If you paid the full fee and are sure you don’t qualify for a premium tax credit

• You do not have to fill out or include Form 8962, Premium Tax Credit when you file your federal taxes.
• Maintain your Form 1095-A with your other tax records.

If you paid full price and required to see if you qualify for a premium tax credit based on your final 2019 income

• When it’s available later in January, utilize the Health Coverage Tax Tool to find the premium for the second-lowest-cost silver plan (SLCSP)that applied to you for 2019. (If you paid full price, this information would not appear on your 1095-A.)
• Use this SLCSP figure to fill out Form 8962, Premium Tax Credit (PDF). You will find out if you be eligible for a premium tax credit based on your final 2019 income.
• If you are eligible, your credit will either increase your 2020 refund or reduce your tax owed.

Resources and References:

• Form 1040
• Second Lowest Cost Silver Plan